Hi, I have a question regarding bank account information. When I was 18 (I'm 34 now) I opened my first bank account at Bank of America. Every month my grandparents were supposed to deposit $1000 (my dad died when I was 11 and the money they were supposed to deposit was my inheritance). However, they stopped making the deposits without telling me. Evidently, my mother and grandfather had spent a lot of it prior to my 18th birthday. They had access to it until I was of age.
As a result, I had unknowingly overdrawn my account by about $3000-ish, which eventually went to collections. I was declared disabled at 26, and opened an account with BB&T because I started receiving both SSI and SSDI. I get direct deposit on both the 1st and 3rd of every month. BB&T, despite recently merging with SunTrust has started closing locations and atms. The closest ATM to me is 10 miles and inside of a bank meaning I can only use it when it's open. The closest one that's outside of a bank is about 17 miles. I also don't drive and rely on public transportation. These distances are crazy. I HAVE to switch to a new bank.
This leads me to my question. Given the amount of time that's passed and that I now receive direct deposit, would Bank of America allow me to open a new account? Essentially, is there any type of statue of limitations type thing that would apply? I've lived in Maryland my whole life so I would be opening the new account in the same state as the previous one. I would appreciate any feedback or advice. Thank you.